Money expert Karen McCall recognized a need in the market for a transformative financial tool that was grounded in numbers but included the emotional work required to gain control of your finances and ultimately rewrite your money story. Like many of us, she had been living in a “money coma,” utterly unconscious of her relationship with money — and that relationship was exactly what she needed to understand and change.


So she developed the solution: MoneyGrit.®, a money management software that allows you to re-examine your spending, earnings, and savings and start seeing the possibilities.

MoneyGrit. Personal

As the family CFO, your responsibilities may feel endless and overwhelming. Would it make a difference if you could:

See all of your income and spending in one place?

Control where your hard-earned money goes before you spend it?

Identify, focus, and nurture your priorities?

MoneyGrit. Personal allows you to confidently manage your family’s finances and pay for the things that matter most. It is the only money management system that includes tracking, planning for the year ahead, and setting reachable saving goals. You can set-up your categories and sub-categories to reflect your lifestyle. Plus, your plan is adjustable in real-time to ensure that you meet your objectives.

With this financial tool, you will be in control of your money every step of the way, so you can stress less and live better. Life happens — be ready with MoneyGrit. Personal.

MoneyGrit. Business

According to recent data from the Bureau of Labor Statistics, as reported by Fundera, approximately 20 percent of small businesses fail within the first year. By the end of the second year, 30 percent fail, and by the end of the fifth year, nearly 50 percent fail. A common reason? Because they run out of cash. As a small business owner, you may avoid traditional “accounting” because you feel insecure and unknowledgeable. There’s little-to-no planning and conscious intention given throughout the year, and as a result, you practice “rear-view mirror accounting.” But this head-in-the-sand mentality can only work for so long!

MoneyGrit. Business offers users an inspired accounting management program. It is visionary but also provides accountability to your current reality, allowing you to create a lifestyle that’s meaningful and fulfilling.

The number one predictor of success for small business owners is their relationship with money. Let MoneyGrit. Business lead the way.

About Karen McCall

Karen McCall went from dodging IRS calls to helping thousands of people get out of debt and build a life and business they love.

Before Karen McCall became a money coaching industry expert, trainer, eight-time author (including her book Financial Recovery: Developing a Healthy Relationship with Money as well as multiple eBooks), speaker and software developer, she was dodging calls from the IRS. She was scared to death and unsure of the way forward.

Faced with the biggest challenge of her life, Karen decided to take action. She committed to persevering with courage and passion, and 33 years later, she's regarded as the “original money coach.”

In 1988, Karen founded the Financial Recovery Institute. She worked one-on-one with clients and developed a deep understanding of why so many people struggle with underearning, overspending, chronic (or yo-yo) debting, and other financial issues.

Early on in her career, Karen recognized that following restrictive budgets and paying down debt to the point of deprivation wasn’t sustainable. Instead, she developed a practical system to plan, track, and adjust while honoring your needs, wants, and desires.

It started as a pen and paper system and evolved into her first cloud-based software program called MoneyMinderOnline.

In December 2020, Karen launched her second money management software called MoneyGrit. It has been informed by over 30 years of experience working with real peoples' money behaviors. The program is optimized with the latest technology and security.

Karen lives in Vancouver, Washington, with her husband, John. She enjoys working on her business and traveling the world.